System, method, and apparatus for conducting a secure transaction using a remote point-of-sale system

ABSTRACT

Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation application of U.S. application Ser.No. 16/606,014, filed Oct. 17, 2019, which is the United States nationalphase of International Application No. PCT/US2017/028330 filed Apr. 19,2017, the disclosures of which are hereby incorporated in their entiretyby reference.

BACKGROUND 1. Technical Field

This disclosure relates generally to secure transaction systems and, insome non-limiting embodiments, to systems, methods, and apparatus forconducting a secure payment transaction using a remote point-of-salesystem.

2. Technical Considerations

A “Card-Present” payment transaction is a secure payment transaction inwhich the merchant point-of-sale (POS) system and the issuer institutioncan verify the transaction. In a Card-Present transaction, a portablefinancial device holds issuer key(s) used to verify the transaction. Forexample, a Card-Present transaction may require a credit card with asecurity chip or a contactless payment device to be present at themerchant POS. Accordingly, brick-and-mortar retail stores with physicalPOS systems are able to conduct Card-Present transactions.

A “Card-Not-Present” transaction is a payment transaction in which thetransaction information is not signed and one or more issuer keys arenot present. A Card-Not-Present transaction is less secure than aCard-Present transaction and may use a different form of authentication,such as credentials (e.g., a user name and password), an SMS messagedynamic code that is inputted, an account identifier with an expirationdate and security code, transport layer security (TLS) for encryption,and the like.

A Card-Present transaction is more secure and less prone to fraud than aCard-Not-Present transaction, and is therefore the preferred type oftransaction. To conduct a secure Card-Present transaction, a merchanthas a physical POS system at the merchant's store for customers to checkout. With such arrangements, a customer must physically approach andinteract with a POS system and cannot purchase selected items by simplywalking out of the store. Moreover, networked devices (e.g.,“Internet-of-Things” devices, such as smart televisions, refrigerators,vehicles, and other network-equipped appliances) are unable to conductCard-Present transactions because there is no physical POS system withwhich to conduct the transaction.

SUMMARY

Accordingly, provided are improved systems, methods, and apparatus forconducting a secure payment transaction that overcomes some or all ofthe deficiencies of the prior art.

According to some non-limiting embodiments, provided is acomputer-implemented method for conducting a secure payment transactionfor a purchase at a merchant using a client device and a remotepoint-of-sale (POS) system associated with the merchant, the clientdevice comprising at least one account identifier associated with atleast one issuer institution and at least one issuer key associated withthe at least one issuer institution, comprising: receiving, with aclient device, at least one identifier for at least one product to bepurchased, the at least one product associated with a transaction value;detecting a checkout action with the client device; in response todetecting the checkout action, generating, with the client device, atleast one transaction message based at least partially on thetransaction value of the at least one product to be purchased and the atleast one account identifier; generating, with the client device, acryptogram based at least partially on the at least one transactionmessage and the at least one issuer key; and transmitting, with theclient device, the cryptogram to the remote POS system associated withthe merchant.

According to some non-limiting embodiments, provided is a system forconducting a secure payment transaction for a purchase at a merchantusing a client device and a remote point-of-sale (POS) system associatedwith the merchant, the client device comprising at least one accountidentifier associated with at least one issuer institution and at leastone issuer key associated with the at least one issuer institution,comprising: a client device comprising at least one processor, theclient device programmed or configured to: receive at least oneidentifier for at least one product to be purchased, the at least oneproduct associated with a transaction value; detect a checkout action;in response to detecting the checkout action, generate at least onetransaction message based on the transaction value of the at least oneproduct to be purchased and the at least one account identifier;generate a cryptogram based at least partially on the at least onetransaction message and the at least one issuer key; and transmit thecryptogram to the remote POS system associated with the merchant.

According to some non-limiting embodiments, provided is a computerprogram product for conducting a secure payment transaction for apurchase at a merchant using a client device and a remote point-of-sale(POS) system associated with the merchant, the client device comprisingat least one account identifier associated with at least one issuerinstitution and at least one issuer key associated with the at least oneissuer institution, comprising at least one non-transitorycomputer-readable medium comprising program instructions that, whenexecuted by at least one processor of the client device, cause theclient device to: receive at least one identifier for at least oneproduct to be purchased, the at least one product associated with atransaction value; detect a checkout action; in response to detectingthe checkout action, generate at least one transaction message based onthe transaction value of the at least one product to be purchased andthe at least one account identifier; generate a cryptogram based atleast partially on the at least one transaction message and the at leastone issuer key; and transmit the cryptogram to the remote POS systemassociated with the merchant.

Further non-limiting embodiments or aspects are set forth in thefollowing numbered clauses:

Clause 1: A computer-implemented method for conducting a secure paymenttransaction for a purchase at a merchant using a client device and aremote point-of-sale (POS) system associated with the merchant, theclient device comprising at least one account identifier associated withat least one issuer institution and at least one issuer key associatedwith the at least one issuer institution, comprising: receiving, with aclient device, at least one identifier for at least one product to bepurchased, the at least one product associated with a transaction value;detecting a checkout action with the client device; in response todetecting the checkout action, generating, with the client device, atleast one transaction message based at least partially on thetransaction value of the at least one product to be purchased and the atleast one account identifier; generating, with the client device, acryptogram based at least partially on the at least one transactionmessage and the at least one issuer key; and transmitting, with theclient device, the cryptogram to the remote POS system associated withthe merchant.

Clause 2: The computer-implemented method of clause 1, wherein theclient device comprises at least one of the following: a mobile deviceexecuting an electronic wallet application, a smart shopping cartsystem, a smart appliance, or any combination thereof.

Clause 3: The computer-implemented method of clause 1 or 2, wherein theclient device comprises the smart shopping cart system and the mobiledevice, the smart shopping cart system comprising at least one inputdevice and at least one processor, the method further comprising pairingthe smart shopping cart device with the mobile device.

Clause 4: The computer-implemented method of any of clauses 1-3, furthercomprising: scanning, with the at least one input device, a data sourceassociated with the at least one product; and determining the at leastone identifier for the at least one product to be purchased from thedata source.

Clause 5: The computer-implemented method of any of clauses 1-4, whereinthe remote POS system comprises a virtual POS system hosted in a networkenvironment.

Clause 6: The computer-implemented method of any of clauses 1-5, whereinthe checkout action comprises at least one of the following: exiting ageographic boundary, passing a sensor, selecting a checkout option in amobile application, or any combination thereof.

Clause 7: The computer-implemented method of any of clauses 1-6, whereinthe issuer key comprises at least one of a symmetric secret key and anasymmetric secret key.

Clause 8: The computer-implemented method of any of clauses 1-7, whereingenerating the cryptogram comprises digitally signing the at least onetransaction message with the at least one issuer key.

Clause 9: The computer-implemented method of any of clauses 1-8, whereinthe client device comprises a merchant application and an electronicwallet application, wherein the merchant application receives the atleast one identifier for the at least one product to be purchased anddetects the checkout action with the client device, and wherein theelectronic wallet application generates the at least one transactionmessage and generates the cryptogram, the method further comprisingsending, with the merchant application, an initial transaction messageto the electronic wallet application, wherein the at least onetransaction message is generated based at least partially on the initialtransaction message.

Clause 10: A system for conducting a secure payment transaction for apurchase at a merchant using a client device and a remote point-of-sale(POS) system associated with the merchant, the client device comprisingat least one account identifier associated with at least one issuerinstitution and at least one issuer key associated with the at least oneissuer institution, comprising: a client device comprising at least oneprocessor, the client device programmed or configured to: receive atleast one identifier for at least one product to be purchased, the atleast one product associated with a transaction value; detect a checkoutaction; in response to detecting the checkout action, generate at leastone transaction message based on the transaction value of the at leastone product to be purchased and the at least one account identifier;generate a cryptogram based at least partially on the at least onetransaction message and the at least one issuer key; and transmit thecryptogram to the remote POS system associated with the merchant.

Clause 11: The system of clause 10, wherein the client device comprisesat least one of a mobile device executing an electronic walletapplication and a smart shopping cart system.

Clause 12: The system of clause 10 or 11, wherein the client devicecomprises the smart shopping cart system and the mobile device, thesmart shopping cart system comprising at least one input device and atleast one processor, the client device further programmed or configuredto pair the smart shopping cart device with the mobile device.

Clause 13: The system of any of clauses 10-12, wherein the at least oneprocessor of the smart shopping cart device is programmed or configuredto receive the at least one identifier for the at least one product tobe purchased by scanning, with the at least one input device, a datasource associated with the at least one product.

Clause 14: The system of any of clauses 10-13, wherein the remote POSsystem comprises a virtual POS system unique to the merchant hosted in anetwork environment.

Clause 15: The system of any of clauses 10-14, wherein the checkoutaction comprises at least one of the following: exiting a geographicboundary, passing a sensor, selecting a checkout option in a mobileapplication, or any combination thereof.

Clause 16: The system of any of clauses 10-15, wherein the issuer keycomprises at least one of a symmetric secret key and an asymmetricsecret key.

Clause 17: The system of any of clauses 10-16, wherein the cryptogram isgenerated by digitally signing the at least one transaction message withthe at least one issuer key.

Clause 18: The system of any of clauses 10-17, wherein the client devicecomprises a merchant application and an electronic wallet application,wherein the merchant application receives the at least one identifierfor the at least one product to be purchased and detects the checkoutaction with the client device, and wherein the electronic walletapplication generates the at least one transaction message and generatesthe cryptogram, and wherein the client device is further programmed orconfigured to transmit, with the merchant application, an initialtransaction message to the electronic wallet application, the at leastone transaction message based at least partially on the initialtransaction message.

Clause 19: A computer program product for conducting a secure paymenttransaction for a purchase at a merchant using a client device and aremote point-of-sale (POS) system associated with the merchant, theclient device comprising at least one account identifier associated withat least one issuer institution and at least one issuer key associatedwith the at least one issuer institution, comprising at least onenon-transitory computer-readable medium comprising program instructionsthat, when executed by at least one processor of the client device,cause the client device to: receive at least one identifier for at leastone product to be purchased, the at least one product associated with atransaction value; detect a checkout action; in response to detectingthe checkout action, generate at least one transaction message based onthe transaction value of the at least one product to be purchased andthe at least one account identifier; generate a cryptogram based atleast partially on the at least one transaction message and the at leastone issuer key; and transmit the cryptogram to the remote POS systemassociated with the merchant.

Clause 20: The computer program product of clause 19, wherein the clientdevice comprises a mobile device executing the electronic walletapplication and a smart shopping cart system, the smart shopping cartsystem comprising at least one input device and at least one processor,and wherein the program instructions, when executed by the at least oneprocessor, further cause at least one of the mobile device and the smartshopping cart system to: pair the smart shopping cart device with themobile device; scan, with the at least one input device, a data sourceassociated with the at least one product; and determine the at least oneidentifier for the at least one product to be purchased from the datasource.

These and other features and characteristics of the present disclosure,as well as the methods of operation and functions of the relatedelements of structures and the combination of parts and economies ofmanufacture, will become more apparent upon consideration of thefollowing description and the appended claims with reference to theaccompanying drawings, all of which form a part of this specification,wherein like reference numerals designate corresponding parts in thevarious figures. It is to be expressly understood, however, that thedrawings are for the purpose of illustration and description only andare not intended as a definition of the limits of the disclosure. Asused in the specification and the claims, the singular form of “a,”“an,” and “the” include plural referents unless the context clearlydictates otherwise.

BRIEF DESCRIPTION OF THE DRAWINGS

Additional advantages and details of the disclosure are explained ingreater detail below with reference to the exemplary embodiments thatare illustrated in the accompanying schematic figures, in which:

FIG. 1 is a schematic diagram for a system for conducting a securepayment transaction using a remote point-of-sale (POS) system accordingto the principles of the present disclosure;

FIG. 2 is another schematic diagram for a system for conducting a securepayment transaction using a remote POS system according to theprinciples of the present disclosure;

FIG. 3 is a further schematic diagram for a system for conducting asecure payment transaction using a remote POS system according to theprinciples of the present disclosure;

FIG. 4 is a further schematic diagram for a system for conducting asecure payment transaction using a remote POS system according to theprinciples of the present disclosure;

FIG. 5 is a graphical user interface for a system for conducting asecure payment transaction using a remote POS system according to theprinciples of the present disclosure;

FIG. 6 is another graphical user interface for a system for conducting asecure payment transaction using a remote POS system according to theprinciples of the present disclosure;

FIG. 7 is further graphical user interface for a system for conducting asecure payment transaction using a remote POS system according to theprinciples of the present disclosure;

FIG. 8 is a further graphical user interface for a system for conductinga secure payment transaction using a remote POS system according to theprinciples of the present disclosure;

FIG. 9 is a further graphical user interface for a system for conductinga secure payment transaction using a remote POS system according to theprinciples of the present disclosure;

FIG. 10 is a step diagram for a method of conducting a secure paymenttransaction using a remote POS system according to the principles of thepresent disclosure; and

FIG. 11 is a transaction flow diagram for a system and method ofconducting a secure payment transaction using a remote POS systemaccording to the principles of the present disclosure.

DETAILED DESCRIPTION

For purposes of the description hereinafter, the terms “end,” “upper,”“lower,” “right,” “left,” “vertical,” “horizontal,” “top,” “bottom,”“lateral,” “longitudinal,” and derivatives thereof shall relate to thedisclosure as it is oriented in the drawing figures. However, it is tobe understood that the disclosure may assume various alternativevariations and step sequences, except where expressly specified to thecontrary. It is also to be understood that the specific devices andprocesses illustrated in the attached drawings, and described in thefollowing specification, are simply exemplary embodiments or aspects ofthe disclosure. Hence, specific dimensions and other physicalcharacteristics related to the embodiments or aspects disclosed hereinare not to be considered as limiting.

As used herein, the terms “communication” and “communicate” refer to thereceipt or transfer of one or more signals, messages, commands, or othertype of data. For one unit (e.g., any device, system, or componentthereof) to be in communication with another unit means that the oneunit is able to directly or indirectly receive data from and/or transmitdata to the other unit. This may refer to a direct or indirectconnection that is wired and/or wireless in nature. Additionally, twounits may be in communication with each other even though the datatransmitted may be modified, processed, relayed, and/or routed betweenthe first and second unit. For example, a first unit may be incommunication with a second unit even though the first unit passivelyreceives data and does not actively transmit data to the second unit. Asanother example, a first unit may be in communication with a second unitif an intermediary unit processes data from one unit and transmitsprocessed data to the second unit. It will be appreciated that numerousother arrangements are possible.

Non-limiting embodiments of the present disclosure are directed to asystem, method, and computer program product for conducting a securepayment transaction using a remote point-of-sale (POS) system. Inparticular, non-limiting embodiments of the disclosure allow for a“Card-Present” transaction to be performed at a physical merchant store(e.g., a brick-and-mortar retail establishment) without using orrequiring a physical POS system local to the merchant store bygenerating a cryptogram on a mobile device based at least partially onone or more issuer secret keys and transmitting the cryptogram to aremote POS system. Non-limiting embodiments of the present disclosureprovide for a technologically improved secure transaction system thateliminates the need for merchants to have a physical POS infrastructureat their merchant stores in order to conduct a Card-Present transaction.By generating a cryptogram on a mobile device at the merchant store andconducting the transaction through a remote POS system, rather than alocal, physical POS system at the merchant store, merchants can conductpayment transactions without requiring customers to checkout at aphysical POS system, avoiding lines and making the shopping experiencemore enjoyable for customers. Moreover, arranging the merchant POSsystem as a remote POS system solves a problem caused by existing mobiledevice payment systems which do not permit a customer to initiate apayment transaction by exiting a geographic boundary, such as a regionassociated with a merchant store, or passing through a sensor whileexiting the merchant store.

As used herein, the term “issuer institution” may refer to one or moreentities, such as a bank, that provide accounts to customers forconducting payment transactions, such as initiating credit and/or debitpayments. For example, an issuer institution may provide an accountidentifier, such as a primary account number (PAN), to a customer thatuniquely identifies one or more accounts associated with that customer.The account identifier may be embodied on a physical financialinstrument, such as a payment card, and/or may be electronic and usedfor electronic payments. As used herein, the term “account identifier”may include one or more PANs, tokens, or other identifiers associatedwith a customer account. An account identifier may be directly orindirectly associated with an issuer, such that an account identifiermay be a token that maps to a PAN or other type of account identifier.The term “token” may refer to an identifier that is used as a substituteor replacement identifier for an original account identifier, such as aPAN. Account identifiers may be alphanumeric or any combination ofcharacters and/or symbols. Tokens may be associated with a PAN or otheroriginal account identifiers in one or more databases such that they canbe used to conduct a transaction without directly using the originalaccount identifier. In some examples, an original account identifier,such as a PAN, may be associated with a plurality of tokens fordifferent individuals or purposes. An issuer institution may beassociated with a bank identification number (BIN) or other uniqueidentifier that uniquely identifies it among other issuer institutions.The terms “issuer institution,” “issuer bank,” and “issuer system” mayalso refer to one or more computer systems operated by or on behalf ofan issuer institution, such as a server computer executing one or moresoftware applications. For example, an issuer system may include one ormore authorization servers for authorizing a payment transaction.

As used herein, the term “merchant” may refer to an individual or entitythat provides goods and/or services, or access to goods and/or services,to customers based on a transaction, such as a payment transaction. Theterm “merchant” or “merchant system” may also refer to one or morecomputer systems operated by or on behalf of a merchant, such as aserver computer executing one or more software applications. The term“product,” as used herein, refers to one or more goods and/or services.A “point-of-sale (POS) system,” as used herein, may refer to one or morecomputers and/or peripheral devices used by a merchant to engage inpayment transactions with customers, including one or more magneticstripe card readers, chip card readers, near-field communication (NFC)receivers, RFID receivers, and/or other contactless transceivers orreceivers, contact-based receivers, payment terminals, computers,servers, input devices, and/or other like devices that can be used toinitiate a payment transaction.

As used herein, a “remote POS system” may refer to a POS system hostedin a network environment. A remote POS system may be hosted on one ormore computers instead of, or in addition to, a physical POS systemlocated at a merchant. A remote POS system may be hosted in or externalto the premises of the merchant. As an example, a remote POS system maybe a virtual POS system hosted in a cloud-computing environment (e.g., acloud POS system). The remote POS system may be unique to a specificmerchant and may be hosted by the merchant, by a transaction serviceprovider, by an issuer institution, or by a third party.

As used herein, the term “mobile device” may refer to one or moreportable electronic devices that are configured to communicate with oneor more networks. As an example, a mobile device may include a cellularphone (e.g., a smartphone or standard cellular phone), a portablecomputer, a wearable device (e.g., a watch, glasses, lenses, clothing,and/or the like), a personal digital assistant (PDA), and/or other likedevices. As used herein, the term “client device” may refer to, as anexample, a mobile device, a smart shopping card system as describedherein, and/or a smart appliance as described herein.

As used herein, the term “electronic wallet” refers to one or moreelectronic devices and/or software applications that are configured toinitiate and/or conduct payment transactions. An electronic wallet mayinclude an electronic wallet application that is executed by a mobiledevice operated by a customer, and may further include server-sidesoftware and databases for maintaining and providing transaction data tothe mobile device. An “electronic wallet provider” may include an entitythat provides and/or maintains an electronic wallet for a customer, suchas Google Pay®, Android Pay®, Apple Pay®, Samsung Pay®, and/or otherlike electronic payment systems. In some non-limiting examples, anissuer bank may be an electronic wallet provider.

Referring now to FIG. 1 , a system 1000 for conducting a secure paymenttransaction using a remote POS system is shown according to somenon-limiting embodiments. A mobile device 110 includes a merchantapplication 115, an electronic wallet application 114, and memory 112,among other hardware and software components. An issuer key 116 isstored on the memory 112. The issuer key 116 may include one or moresymmetric and/or asymmetric key values associated with a transactionaccount and provisioned by an issuer instruction. The issuer key 116 maybe unique for the customer and/or account identifier. In some examples,the issuer key 116 may be directly or indirectly associated with anissuer institution. The mobile device 110 is in communication with anetwork environment 124, such as the internet, a private network, and/orthe like, and through the network 124 the mobile device 110 communicateswith a remote POS system 104. The remote POS system 104 may be incommunication with a transaction processing server 102 through thenetwork 124 or in some other manner, and the transaction processingserver may be in communication with an issuer institution 106.

With continued reference to FIG. 1 , the mobile device 110 may be usedto conduct a transaction in a merchant store 120. The merchant store 120may include a physical retail store, service provider, or any othermerchant premises at which a customer can purchase goods and/orservices. The merchant store 120 may include a merchant server 118,checkout sensor 122, and one or more data sources 124, 126 associatedwith one or more products. The data sources 124, 126 may include, forexample, one or more RFID transponders, barcodes, indicia, and/or otherlike devices for storing data. The data sources 124, 126 may eachinclude a product identifier to uniquely identify a good or serviceavailable for purchase at the merchant store 120. The product identifiermay be associated with other product information in a database, such asprice, currency, expiration date, special instructions, and/or the like,which may be retrieved by the merchant application 115 based on theproduct identifier. In some examples, product information may be storedon the data sources 124, 126 along with the product identifier.

Still referring to FIG. 1 , a user operating the mobile device 110 mayenter the merchant store 120 and execute a merchant application 115 onthe mobile device 110. The merchant application 115 may be used to scandata sources 124, 126 with a camera or transceiver (NFC, Bluetooth®,RFID, and/or the like) and extract a product identifier and/or otherproduct information from the data sources 124, 126. Alternatively,sensors on the products and/or cameras arranged in the store 120 mayidentify products picked up by customers. In such circumstances, amerchant server 118 may communicate with the merchant application 115over the internet, a local area network, or the like, and provideproduct information to the merchant application 115 based on thedetected activity of the user within the merchant store 120.

Still referring to FIG. 1 , the merchant application 115 may maintain alist of products selected by a customer and a total cost of thoseproducts. It will be appreciated that, in other non-limitingembodiments, instead of a merchant application 115, an electronic walletapplication 114, web browser application, remote application (e.g., amerchant application available as Software-as-a-Service), and/or otherlike applications and systems may be used to receive product identifiersand maintain a list of products selected by the customer. When thecustomer exits the merchant store 120, the customer may pass through orin proximity to a checkout sensor 122. The checkout sensor 122 mayinclude any sensor capable of sensing the customer's mobile device 110,such as a Bluetooth® transceiver, NFC transceiver, RFID transceiver,and/or the like. It will be appreciated that, in addition to thecheckout sensor 122, any device or system may be used to detect that thecustomer has exited or is exiting the merchant store 120. For example,one or more cameras may be used to recognize a customer when he or sheenters the merchant store 120, and may likewise recognize the customerwhen he or she exits the merchant store 120 through a designated exit.In some non-limiting embodimentss, the geolocation of the mobile device110, as determined by signal triangulation, GPS systems, and/or thelike, may be used to determine when the customer operating the mobiledevice 110 exits the merchant store 120.

With continued reference to FIG. 1 , in response to detecting a checkoutaction, such as determining that the customer has exited or is exitingthe merchant store 120, the mobile device 110 communicates with theremote POS system 104 to conduct the transaction for the productspurchased by the customer. As used herein, the term “checkout action”refers to an action taken by a customer to initiate a purchase. Forexample, a checkout action may be a customer exiting a merchant store120, passing a checkout sensor 122, choosing a checkout option throughthe merchant application 115 or electronic wallet application 114,and/or the like. In response to detecting a checkout action, themerchant application 115 may transmit transaction data, such as thetransaction value (e.g., total purchase price including price, tax,application of discounts, and/or other values), individual prices foreach product, and/or other product information, to an electronic walletapplication 114 executing on the mobile device 120. In some examples,the merchant application 115 may prompt a customer to choose anelectronic wallet application 114 or another method of payment. Themerchant application 115 and/or electronic wallet application 114 mayfurther prompt the user to select a specific account with which toconduct the transaction.

The merchant application 115 may also transmit remote POS system data aspart of the transaction data, such as an identifier, address, and/orcredential for the remote POS system, to the electronic walletapplication 114. The remote POS system data may also be made availablein an indexed database such that a corresponding remote POS system canbe identified by the merchant application and/or the electronic walletapplication. In response to the electronic wallet application 114receiving the transaction data, the electronic wallet application 114may generate a transaction message based on one or more transactionparameters from the transaction data, such as the transaction amount,the account identifier associated with the account used by the customerto make the purchase, an application transaction count (e.g., a countervalue incremented by each transaction conducted by the customer with theelectronic wallet application 114 and/or with a particular accountidentifier), a transaction code, a merchant identifier (e.g., a uniquemerchant identifier, a merchant name, a merchant location, and/or thelike), and/or other relevant information. The application transactioncount may ensure that a transaction message and resulting cryptogram isunique for each transaction, even for two identical purchases by thesame customer.

In non-limiting embodiments, and still referring to FIG. 1 , once thetransaction message is generated, the mobile device 110 digitally signsthe transaction message with one or more issuer keys 116 stored inmemory 112 on the mobile device 110 to generate a cryptogram 117. Theissuer key 116 may include one or more secret symmetric keys and one ormore asymmetric keys. The symmetric key may be, for example, a card keythat is stored on a security chip arranged on or in a physical paymentcard issued to the customer for the same account. The asymmetric key maybe a public key and a corresponding private key. In embodiments in whichthe issuer key 116 comprises both symmetric and asymmetric keys, thesymmetric key may be used to encrypt the transaction message using anyknown method such as, for example, the Triple Data Encryption Standard(3DES), the Advanced Encryption Standard (AES), and/or any other likesymmetric encryption algorithms. The resulting encrypted transactionmessage may then be digitally signed with an asymmetric key, such as aprivate key associated with a corresponding public key, to generate acryptogram 117. The transaction message may be digitally signed with theasymmetric key using any known method such as, for example, the RSAalgorithm, Elliptic Curve Crytography (ECC) algorithms, Elliptic CurveCrytography Digital Signature (ECDSA) algorithms, and/or the like. Itwill be appreciated that, in some non-limiting embodiments, thecryptogram may be generated based on one or more keys, including one ormore symmetric keys and asymmetric keys, associated with a transactionprocessing entity or other entity instead of or in addition to one ormore issuer keys.

The cryptogram 117 may be inserted into the transaction message as anadditional field in the message, although it will be appreciated thatthe cryptogram 117 may also be separate from the transaction message. Inother examples, the unencrypted transaction message may be digitallysigned with the private key to generate a cryptogram 117, and thecryptogram 117 may be inserted into the transaction message to beencrypted with the symmetric key. It will be appreciated that variousother implementations are possible. The asymmetric key (e.g., at leastpart of the public/private key pair) may also be included in thetransaction message or, in other examples, be transmitted separatelysuch that the remote POS 104 can verify the transaction message based onthe asymmetric key. In some examples, a card certificate may betransmitted which includes a PAN, an expiration date, a public key, adigital signature generated by the issuer private key, and/or other likeaccount information. In non-limiting embodiments, the cryptogram 117 maybe 16-bytes, although it will be appreciated that the cryptogram 117 maybe various sizes. Moreover, it will also be appreciated by those skilledin the art that the cryptogram 117 may be generated by digitally signingor otherwise processing the transaction message with a single issuer keyor multiple issuer keys.

In FIG. 1 , the electronic wallet application 114 transmits thetransaction message including the cryptogram 117, or a transactionmessage and a separate cryptogram 117, to the remote POS system 104. Theasymmetric key may also be transmitted to the remote POS system 104 aspart of the transaction message or separately. After the remote POSsystem 104 receives the transaction message, it transmits thetransaction message (along with the cryptogram 117 and asymmetric key ifnot already part of the transaction message) to the transactionprocessing server 102 which, in turn, identifies an issuer institutionthat corresponds to the account identifier used by the customer toconduct the transaction. In response, the transaction processing server102 transmits the transaction message (along with the cryptogram andasymmetric keys if not already part of the transaction message) to theissuer institution that was identified.

Still referring to FIG. 1 , in response to receiving the transactionmessage, the issuer institution 106 identifies the symmetric key basedon the account identifier. For example, the issuer institution may be incommunication with a database (not shown in FIG. 1 ) that correspondsaccount identifiers, such as but not limited to PANs, with issuer keys.Once the transaction message is decrypted using the symmetric keycorresponding to the account identifier, the issuer institution 106generates a new cryptogram based on the transaction message andasymmetric key and compares the new, regenerated cryptogram to thecryptogram 117 that was previously generated and transmitted by themobile device 110. If the new cryptogram and original cryptogram 117 aredetermined to match, the issuer institution 106 verifies and completesthe transaction with the transaction processing server 102 which will,in response, transmit a confirmation to the remote POS system 104. Theremote POS system 104, in response to receiving the confirmation, maythen transmit a confirmation to the electronic wallet application 114 tocomplete the transaction.

Referring now to FIG. 2 , a system 1002 for conducting a secure paymenttransaction using a remote POS system is shown according to somenon-limiting embodiments. The system shown in FIG. 2 illustrates furthercomponents of the mobile device 110 used by a customer to initiate atransaction with a remote POS system 104. The mobile device 110 includesa merchant application 115, a communication device 206, a virtual card204, and an application programming interface (API) 202 to facilitatecommunication between the merchant application 115 and the virtual card204. The merchant application 115 may be developed using one or moresoftware development kits (SDKs) to interface with the virtual card 204.The virtual card 204 may include, for example, secure data representingone or more portable financial devices such as a credit card. Thevirtual card 204 may be in the form of one or more data structuresand/or software applications and include one or more accountidentifiers, tokens, security codes, Card Verification Values (CVV),expiration dates, customer names, issuer bank identifiers, issuer banksecret keys, and/or any other information associated with a financialtransaction account. The virtual card, in some non-limiting examples,may be part of an electronic wallet application.

With continued reference to FIG. 2 , the mobile device 110 also includesa communication device 206, such as a near-field communication (NFC)transceiver, RFID transceiver, and/or other contactless transceivers orreceivers. The communication device 206 may also include any otherdevice for receiving data from a data source 124, 126, such as but notlimited to a camera. In operation, a user of the mobile device 110enters a merchant store and scans the data sources 124, 126 with themobile device 110. The communication device 206 receives data from thedata sources 124, 126, such as product identifiers and other productinformation. The merchant application 115 then adds the product to alist while the customer shops. When the customer exits the store orotherwise indicates that he or she wishes to checkout and initiate thepurchase of the products obtained in the merchant store, the mobiledevice 110 generates a transaction message and a cryptogram based on thevirtual card 204 and the transaction data from the merchant application115. The transaction message and cryptogram may be generated by anelectronic wallet application (not shown in FIG. 2 ), a server-sideapplication in communication with the mobile device 110, or the merchantapplication 115, as examples. The transaction is then conducted betweenthe mobile device 110 and the remote POS system 104.

Referring now to FIG. 3 , a system 1003 for conducting a secure paymenttransaction using a remote POS system is shown according to somenon-limiting embodiments. A communication device 207 of the mobiledevice 110 shown in FIG. 3 may not be able to receive data from the datasources 124, 126. For example, the communication device 207 may be aBluetooth® transceiver and the data sources 124, 125 may be RFIDtransponders. The communication device 207 may also include a UniversalSerial Bus (USB) port, an audio port, and/or any other communicationdevice 207 for allowing communication between the mobile device 110 andan external system or device. In the embodiment shown in FIG. 3 , ashopping cart system 208 is in communication with the communicationdevice 207 of the mobile device 110. The shopping cart system 208 mayinclude a physical shopping cart, a processor 212, one or morecommunication devices 210, memory, and/or other components. Acommunication device 210 of the shopping cart may receive product datafrom the data sources 124, 126 such that the shopping cart system canprovide this information to the mobile device 110.

With continued reference to FIG. 3 , the merchant application 115 may beused to establish communication with the shopping cart system 208. Forexample, upon entering a merchant store, a customer may execute themerchant application 115 and use the merchant application to pair themobile device 110 to an available shopping cart system 208 and unlockthe shopping cart system 208 for use. The mobile device 110 and shoppingcart system 208 may be wirelessly connected and/or physically connectedvia a cable and/or docking station. A docking station may provide powerto the mobile device through one or more batteries arranged in theshopping cart system and/or by a generator powered by motion of thecart. In some examples, the mobile device 110 and/or merchantapplication 115 may provide customer identification data to the shoppingcart system 208, which may use that data to target advertisements to thecustomer, provide loyalty account information, provide discounts andincentives, provide personalized communication with the customer, and/orthe like. Once the customer pairs the mobile device 110 to the shoppingcart system 208, the customer may then begin shopping in the merchantstore. The communication device 210 of the shopping cart system may beused to retrieve data from the data sources 124, 126 when thecorresponding products are placed into the shopping cart.

Still referring to FIG. 3 , the communication device 210 may be one ormore antennae arranged to scan the contents of the shopping cart toidentify one or more products. For example, an RFID transceiver may usean arrangement of one or more dimensional RFID antennae to periodicallyinterrogate the contents of the shopping cart for passive RFIDtransponders. In other examples, the communication device 210 may scanfor products in response to detecting that a new item has been placed inthe shopping cart, using motion or gravimetric sensors. In furtherexamples, the communication device 210 may be a barcode reader or camerathat is used to scan one- or two-dimensional barcodes on variousproducts. Further, in some examples, one or more cameras arranged in theshopping cart may automatically capture images or video of the itemsbeing placed in the cart and the processor 212 and/or a remote server incommunication with the processor 212 may use one or more imagerecognition algorithms to identify the products that have been placed inthe shopping cart 208. Additionally or alternatively, one or morecameras may be arranged in the merchant store as explained above. Thecameras in the merchant store may be in communication with one or moremerchant servers that provide product data to the shopping cart system208.

With continued reference to FIG. 3 , in response to detecting a checkoutaction, the merchant application 115 may receive product data from theshopping cart system 208. The merchant application 115 and/or anelectronic wallet application may then interface with the virtual card204 to generate a transaction message and cryptogram. As an example,upon detecting a checkout action, the merchant application 115 may callan electronic wallet application via one or more APIs 202 to providetransaction data including the received product data, remote POS systemdata, and/or the like, to the electronic wallet application. Thetransaction message and cryptogram may then be generated as describedherein. It will be appreciated that in embodiments in which a shoppingcart system 208 is used, the shopping cart system 208 may include one ormore display devices and input devices and perform the functionsdescribed herein as being performed by the mobile device 110. Forexample, the shopping cart system 208 may include the merchantapplication 115. Various other arrangements are possible.

It will be appreciated that one or more sensors, communication devices210 arranged in the shopping cart, cameras arranged in the merchantstore, and/or the like may be used to delete products from an ongoinglist of selected products if those products are removed from theshopping cart. In some examples a customer may be prevented fromdeleting products through the mobile device 110. The merchantapplication 115 may prevent the deletion of products as a defaultsetting or prevent deletion in response to detecting a connectionbetween the mobile device 110 and the shopping cart system 208.

Referring now to FIG. 4 , a system 1004 for conducting a secure paymenttransaction using a remote POS system is shown according to a somenon-limiting embodiments. The system 1004 in FIG. 4 includes a smartappliance 400, such as a network-capable and software-drivenrefrigerator, television, washing machine, coffee maker, thermostat,and/or the like. The smart appliance 400 may be provisioned with avirtual card 204 including an issuer key for conducting Card-Presenttransactions with a remote POS system 104. The smart appliance 400 mayinclude a processor 402 and one or more appliance applications 404. Theappliance applications 404 may include a merchant application, anelectronic wallet application, and/or any other software applicationsexecutable by the processor 402 of the smart appliance 400.

Still referring to FIG. 4 , in an example where the smart appliance 400is a refrigerator, the processor 402 may determine that a particularproduct (e.g., orange juice) is depleted. The processor 402 may executean appliance application 404 to connect to a merchant and to receiveproduct availability and price information for replacement orange juice.The smart appliance 400 may be configured to use a designated merchantfor all purchases or for purchases of a particular type of product. Inother examples, the smart appliance 400 may assess multiple merchants todetermine the preferred merchant based on price, shipment time,availability, and/or any other parameter. The smart appliance may then,either through its operating system or one or more applianceapplications 404, initiate a transaction by generating a transactionmessage and cryptogram based on data received from the virtual card 204,including an issuer key. In further examples, the smart appliance 400may be a television and the appliance application 404 may be anon-demand video streaming application. The virtual card 204 may be usedto conduct Card-Present transactions for purchasing and/or rentingvideos. In still further examples, the smart appliance 400 may be anordering button for automatically initiating a predefined transaction inresponse to being actuated. Various other purchases are possible withother smart appliances.

Referring now to FIGS. 5-8 , graphical user interfaces (GUIs) are shownaccording to preferred and non-limiting embodiments. Although the GUIsof FIGS. 5-8 are shown on a mobile phone, it will be appreciated thatthe GUIs may be adapted for and displayed on any mobile device ordisplay screen, including one or more display devices of a shopping cartsystem. FIG. 5 illustrates a GUI 500 for a merchant applicationincluding a confirmation 502 that a shopping cart system has beenunlocked for use. The confirmation 502 also identifies the shopping cartsystem (e.g., “No. 0001”) for the customer to use. As described herein,the merchant application may be used to pair the mobile device to theshopping cart system. One or more additional GUIs may provide selectableoptions to choose a specific shopping cart, establish communicationbetween the mobile device and the shopping cart system, and/or otherlike options. The term “selectable option,” as used herein, refers toone or more buttons, radio buttons, checkboxes, links, drop-down menus,text boxes, icons, and/or the like.

FIG. 6 illustrates a shopping list GUI 600 for a merchant applicationaccording to some non-limiting embodiments. The shopping list GUI 600may include a list of products, with corresponding product information,that have been placed in the shopping cart, scanned with the mobiledevice, or otherwise selected by the customer. As shown in FIG. 6 , theshopping list GUI 600 may display a list of products that have alreadybeen selected by the customer in addition to recommendations,promotions, coupons, advertisements, directions to nearby products,and/or other commercial information or information about the merchantstore that may be dynamically generated based on the identification ofthe customer, based on the customer's product selections, based on anindoor geolocation of the customer within the merchant store, and/orother like parameters.

FIG. 7 illustrates a target shopping list GUI 700 for a merchantapplication according to some non-limiting embodiments. The targetshopping list GUI 700 may display a target shopping list of productsthat the customer wishes to purchase, which may be automaticallyremoved, checked, struck through, or otherwise marked as those productsare placed in the shopping cart, scanned, or otherwise selected by thecustomer. The target shopping list may be inputted by the customer intothe merchant application and/or may be imported from a third-partyapplication.

FIG. 8 illustrates a checkout GUI 800 for a merchant applicationaccording to some non-limiting embodiments. The checkout GUI 800 may bedisplayed by the merchant application in response to detecting acheckout action. The checkout GUI 800 includes a product list 802showing all of the products that were placed in the shopping cart,scanned, or otherwise selected by the customer. The checkout GUI 800also includes a selectable option 804 for selecting an electronic walletto conduct the transaction. Upon selection of the selectable option 804,the mobile device may communicate with an electronic wallet applicationthat corresponds to the user's selection. It will be appreciated thatvarious other selectable options may be available for selectingdifferent payment methods and/or the like.

FIG. 9 illustrates a checkout confirmation GUI 900 for an electronicwallet application according to some non-limiting embodiments. Thecheckout confirmation GUI 900 may be displayed in response to theelectronic wallet application receiving purchase data from the merchantapplication. The checkout confirmation GUI 900 prompts the user forinput to confirm the transaction. In the example GUI 900 shown in FIG. 9, a user can use a fingerprint reader on the mobile device toauthenticate himself or herself. It will be appreciated that any otherauthentication and/or confirmation mechanism may be used, such as apassword, pin, voice recognition, other biometrics, and/or the like. Inresponse to receiving user input confirming the transaction and/orauthenticating the user, the electronic wallet application may generatea transaction message and cryptogram as described herein.

Referring to FIG. 10 , a step diagram is shown for a method forconducting a secure payment transaction using a remote POS systemaccording to some non-limiting embodiments. It will be appreciated thatthe steps shown in FIG. 10 are for illustration only and thatembodiments may use additional, fewer, or different steps than thosedisplayed. At a first step 1100, the customer may scan products with amobile device to obtain product data. The product price is added to atotal transaction value at step 1102 by a merchant application on themobile device. At step 1104, the mobile device and/or merchantapplication determines if a checkout action has occurred. For example,if the user chooses to check out on the merchant application or exitsthe merchant store or a geographic region associated with the merchantstore, a checkout action may be detected and the method proceeds to step1106. Otherwise, if there is no checkout action detected at step 1104,the method returns to step 1100 as the customer continues to shop andscan products.

Still referring to FIG. 10 , in response to detecting a checkout action,a merchant remote POS system is identified at step 1106. The merchantremote POS system may be identified by the merchant application, by amerchant server or other communication device in the merchant store,and/or in any other like manner. At step 1108, a transaction message isgenerated based on the total transaction amount, transaction code,account identifier, and/or other like transaction data. At step 1110, acryptogram is generated based on the transaction message generated instep 1108 and one or more issuer keys. At step 1112, the transactionmessage and cryptogram are transmitted to the remote POS systemidentified in step 1106. The cryptogram may be part of the transactionmessage or, in other examples, may be separate from the transactionmessage. It will be appreciated that other variations are possible.

Referring to FIG. 11 , a transaction flow diagram is shown according tosome non-limiting embodiments. It will be appreciated that the stepsshown in FIG. 11 are for illustration only and that embodiments may useadditional, fewer, or different steps than those displayed. Once acustomer has used a merchant application 115 to shop for one or moreproducts at a merchant store, the merchant application 115 communicatestransaction data to the electronic wallet application 114 at step s1. Asdescribed herein, the transaction data may include product data, a totaltransaction amount, remote POS system data, and/or other likeinformation. At step s2, the electronic wallet application 114 generatesa transaction message and cryptogram. At step s3, the electronic walletapplication 114 communicates the transaction message and cryptogram tothe remote POS system 104. The remote POS system 104 communicates thetransaction message and cryptogram to the transaction processing server102 at step s4, and the transaction processing server 102 communicatesthe same to the issuer institution 106 at step s5.

With continued reference to FIG. 11 , the issuer institution, at steps6, verifies the transaction by generating a new cryptogram based on thetransaction message and an issuer key and compares the newly generatedcryptogram to the originally received cryptogram. At step s7, the issuerinstitution transmits a confirmation or a rejection of the transaction.The transaction processing server 102 transmits a confirmation or arejection of the transaction to the remote POS system 104 at step s8. Insome examples, if the transaction is approved, the remote POS system 104may communicate with one or more merchant servers at the merchant storeto cause a security device on one or more products to be deactivated sothat the customer can leave the merchant store with the products withoutactivating a security alarm. Similarly, if the transaction is rejected,the remote POS system 104 may communicate with one or more merchantservers at the merchant store to alert or notify store personnel to stopthe customer from leaving. In some examples, the remote POS system 104,in response to a rejection of a transaction, may cause a notification tobe displayed on a customer's mobile device, may cause the doors of themerchant store to close or lock, or may cause any other action at themerchant store to inform the customer and/or store personnel that theproducts selected by the customer have not been paid for. At step s9,the remote POS system communicates a confirmation or rejection of thetransaction to the electronic wallet application 114 which, in turn, maycommunicate the same to the merchant application 115 at step s10.

Although the disclosure has been described in detail for the purpose ofillustration based on what is currently considered to be the mostpractical and preferred embodiments, it is to be understood that suchdetail is solely for that purpose and that the disclosure is not limitedto the disclosed embodiments, but, on the contrary, is intended to covermodifications and equivalent arrangements that are within the spirit andscope of the appended claims. For example, it is to be understood thatthe present disclosure contemplates that, to the extent possible, one ormore features of any embodiment can be combined with one or morefeatures of any other embodiment.

What is claimed is:
 1. A method for conducting a secure paymenttransaction using a smart appliance and a remote point-of-sale (POS)system, the smart appliance comprising a merchant application and anelectronic wallet application, the smart appliance in communication withthe remote POS system through a network environment, comprising:receiving, with the merchant application executing on the smartappliance, at least one identifier for at least one product to bepurchased; provisioning, on the smart appliance, a virtual cardcomprising an issuer key; detecting, on the smart appliance, a checkoutaction for a transaction to be initiated between the virtual card and amerchant associated with the merchant application; in response todetecting the checkout action on the smart appliance, transmitting aninitial transaction message from the merchant application to theelectronic wallet application executing on the smart appliance, theinitial transaction message comprising transaction data; receiving, withthe electronic wallet application, the initial transaction message fromthe merchant application; in response to the electronic walletapplication receiving the initial transaction message, generating, withthe electronic wallet application, a transaction message based at leastpartially on the initial transaction message; generating, with theelectronic wallet application, a cryptogram based at least partially onthe transaction message and the issuer key stored on the smartappliance; inserting, with the smart appliance, the cryptogram into afield of the transaction message; and transmitting, with the smartappliance, the transaction message to the remote POS system.
 2. Themethod of claim 1, wherein the transaction message comprises anapplication transaction count that is incremented by at least one of themerchant application and electronic wallet application for eachtransaction, and wherein the cryptogram is generated based at leastpartially on the application transaction count.
 3. The method of claim1, comprising inserting, with the electronic wallet application, theissuer key into a field of the transaction message.
 4. The method ofclaim 1, further comprising separately transmitting the transactionmessage and the issuer key to the remote POS system.
 5. The method ofclaim 1, further comprising: receiving, by the electronic walletapplication, a confirmation or rejection of the transaction message; andcommunicating, by the electronic wallet application to the merchantapplication, the confirmation or rejection of the transaction message.6. A system for conducting a secure payment transaction using a smartappliance and a remote point-of-sale (POS) system, comprising a smartappliance including at least one processor, a merchant application, andan electronic wallet application, the smart appliance in communicationwith the remote POS system through a network environment, the at leastone processor programmed or configured to: receive, with the merchantapplication executing on the smart appliance, at least one identifierfor at least one product to be purchased; provision, on the smartappliance, a virtual card comprising an issuer key; detect, on the smartappliance, a checkout action for a transaction to be initiated betweenthe virtual card and a merchant associated with the merchantapplication; in response to detecting the checkout action on the smartappliance, generate an initial transaction message comprisingtransaction data; transmit the initial transaction message from themerchant application to the electronic wallet application; receive, withthe electronic wallet application, the initial transaction message fromthe merchant application; in response to receiving the initialtransaction message, generate a transaction message based at leastpartially on the initial transaction message; generate a cryptogrambased at least partially on the transaction message and the issuer keystored on the smart appliance; insert the cryptogram into a field of thetransaction message; and transmit the transaction message to the remotePOS system.
 7. The system of claim 6, wherein the transaction messagecomprises an application transaction count that is incremented by atleast one of the merchant application and electronic wallet applicationfor each transaction, and wherein the cryptogram is generated based atleast partially on the application transaction count.
 8. The system ofclaim 6, wherein the electronic wallet application is further configuredto insert the issuer key into a field of the transaction message.
 9. Thesystem of claim 6, wherein the electronic wallet application is furtherconfigured to separately transmit the transaction message and the issuerkey to the remote POS system.
 10. The system of claim 6, wherein theelectronic wallet application is further configured to: receive aconfirmation or rejection of the transaction message; and communicate,to the merchant application, the confirmation or rejection of thetransaction message.
 11. A computer program product for conducting asecure payment transaction using a smart appliance and a remotepoint-of-sale (POS) system, the smart appliance comprising a merchantapplication and an electronic wallet application, the smart appliance incommunication with the remote POS system through a network environment,comprising at least one non-transitory computer-readable mediumcomprising program instructions that, when executed by a processor ofthe smart appliance, cause the smart appliance to: receive, with themerchant application executing on the smart appliance, at least oneidentifier for at least one product to be purchased; provision, on thesmart appliance, a virtual card comprising an issuer key; detect, on thesmart appliance, a checkout action for a transaction to be initiatedbetween the virtual card and a merchant associated with the merchantapplication; in response to detecting the checkout action on the smartappliance, generate an initial transaction message comprisingtransaction data; transmit the initial transaction message from themerchant application to the electronic wallet application; receive, bythe electronic wallet application, the initial transaction message fromthe merchant application; in response to receiving the initialtransaction message, generate a transaction message based at leastpartially on the initial transaction message; generate a cryptogrambased at least partially on the transaction message and the issuer keystored on the smart appliance; insert the cryptogram into a field of thetransaction message; and transmit the transaction message to the remotePOS system.
 12. The computer program product of claim 11, wherein thetransaction message comprises an application transaction count that isincremented by at least one of the merchant application and electronicwallet application for each transaction, and wherein the cryptogram isgenerated based at least partially on the application transaction count.13. The computer program product of claim 11, wherein the electronicwallet application further causes the processor of the smart applianceto insert the issuer key into a field of the transaction message. 14.The computer program product of claim 11, wherein the electronic walletapplication further causes the processor of the smart appliance to:receive a confirmation or rejection of the transaction message; andcommunicate, to the merchant application, the confirmation or rejectionof the transaction message.